November 22, 2013 1:03 am
• Notify your insurance company of the loss.
• Keep a notebook to track dates and times of conversations with individuals pertaining to your claim.
• Secure buildings to prevent vandalism or further damage from weather. Most insurance policies require homeowners to take reasonable action to protect a property from further damage. Tarp or board up open spaces only if safe and appropriate.
• Shut off main water, gas and electricity supplies.
• Save receipts for meals, hotels, toiletries, replacement clothing, prescriptions, etc.
• Take photos of each room or area for future reference and insurance claims. This will provide a digital inventory of some visible contents.
• If electrical appliances, including televisions and computers are damaged, do not turn them back on when power is restored. This can result in electric shock and/or do further damage to the appliance. Electronics can often be cleaned & restored by contractors who know what they're doing.
• When it is safe to enter a property, look for valuables and important papers (e.g., birth/marriage certificates, wills, tax records, etc.)
• Beware of scammers offering restoration services. Check references and visit the Restoration Industry Association website to find a contractor.
• Wear heavy rubber gloves or work gloves and thick-soled shoes, preferably not tennis shoes.
• Wash your hands frequently - especially before touching your face or eating.
• Be careful of sharp items such as broken glass, nails, etc. while searching debris.
• Drink lots of water to stay hydrated.
• Do not use bleach to disinfect since it is corrosive and can react with other substances. Use household disinfectants.
• Hard surfaces can be disinfected as well as some soft goods, depending on washability.
• Transport computers, art work and musical instruments to a dry environment.
• Damaged papers and books can be frozen temporarily to prevent further disintegration until they can be restored by a professional.
• Homeowners may hire any company they choose for restoration work, not just a company recommended by the insurance company.
Published with permission from RISMedia.